<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-Q
and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                         525,000
<INT-BEARING-DEPOSITS>                       3,773,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      15,872,000
<INVESTMENTS-MARKET>                        15,943,000
<LOANS>                                    180,586,000
<ALLOWANCE>                                  1,705,000
<TOTAL-ASSETS>                             211,253,000
<DEPOSITS>                                 131,065,000
<SHORT-TERM>                                32,250,000
<LIABILITIES-OTHER>                          2,647,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  45,261,000
<TOTAL-LIABILITIES-AND-EQUITY>             211,253,000
<INTEREST-LOAN>                              3,823,000
<INTEREST-INVEST>                              218,000
<INTEREST-OTHER>                               148,000
<INTEREST-TOTAL>                             4,189,000
<INTEREST-DEPOSIT>                           1,786,000
<INTEREST-EXPENSE>                           2,298,000
<INTEREST-INCOME-NET>                        1,891,000
<LOAN-LOSSES>                                   83,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,031,000
<INCOME-PRETAX>                                851,000
<INCOME-PRE-EXTRAORDINARY>                     851,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   535,000
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    8.26
<LOANS-NON>                                    610,000
<LOANS-PAST>                                 1,258,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             11,310,000
<ALLOWANCE-OPEN>                             1,624,000
<CHARGE-OFFS>                                    2,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,705,000
<ALLOWANCE-DOMESTIC>                         1,705,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0